Seed, feed and equipment are paid for in advance, while livestock and crops are sold on a different calendar. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Agriculture in Texas is spread across a large and varied state, and the work follows weather, seasons and markets instead of a payroll calendar. A cow-calf operation may sell calves once or twice a year. A hay producer is paid after cutting and baling. A nursery, a dairy, an egg producer and a specialty grower each run on their own cycle.
What they share is a long gap between spending and selling. Feed and fuel are bought month by month, equipment wears out whenever it chooses, and revenue arrives in lumps.
| Operation | What is paid early | When income arrives |
|---|---|---|
| Cattle ranch | Feed, hay, vet care, fencing and fuel through the year | When calves or cattle are sold |
| Hay or forage producer | Seed, fertilizer, fuel and baler upkeep | After cutting, baling and sale |
| Specialty or vegetable grower | Seed, water, labor and packaging | As the crop reaches market |
| Agribusiness supplier or processor | Inventory and payroll | As customers settle invoices |
A sound operation can still be short on cash during these stretches. Drought years and feed price jumps make the gap worse, but the underlying timing difference exists in good years too.
Tractors, balers, trailers, sprayers, feed trucks and fencing tools are what a farm or ranch does its work with. When something breaks during a window that matters, such as baling before rain or hauling cattle to a sale, the repair or replacement cannot wait for the next check. Working capital can pay for the part, the repair or a used machine now and be repaid out of the operation's regular income.
For illustration only: a rancher faces a $15,000 repair on a feed truck in the same month the feed bill comes due. Paying one means delaying the other. A short bridge handles both.
Weather and markets are outside a farmer's control. A dry summer raises feed costs and thins forage. A price drop at sale time shrinks the check from a herd that cost a year to raise. Neither makes the operation unsound, but both can leave a gap that fixed costs still need to cross.
That is the argument for a working-capital cushion: not to bet on a good year but to avoid selling cattle early, skipping a repair or missing an input purchase because the account is short in the wrong month. Each farm sets its own tolerance, and the application is where you explain yours.
Texas has about 3.5 million small businesses by the U.S. Small Business Administration's count; yours is one of many, and the application is the same for each. The application takes about five minutes and uses a soft credit pull. Funding runs from $25,000 to $5,000,000, and can arrive in as little as 24 hours.
Both can apply, along with agribusiness suppliers and processors. Funding is $25,000 to $5,000,000.
Feed, seed, fuel and equipment are common uses. Describe your plan on the application.
Lumpy income is typical in agriculture. The application asks about your business as a whole, and you can describe your calendar.
Yes. Sole proprietors can apply.
Funding can arrive in as little as 24 hours.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
